Expertise.com Homepage

2024

Last updated:

Best Homeowners Insurance Agencies in Arlington, VA

Our Recommended Top 5

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Arlington Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

129Reviewed

79Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

4600 South Four Mile Run Drive, Arlington, VA 22204

Expertise.com Rating

Review Sources

Google
4.9 (167)
Facebook
5.0 (21)
Yelp
5.0 (6)

Why choose this provider?

Alex Nguyen is an insurance agent that provides homeowners' insurance for clients in Arlington and nearby areas. He works with State Farm to customize and secure a suitable insurance policy for homeowners. Homeowners' insurance coverage includes repairs and replacements needed in a home that has been damaged by natural disasters and other perils. It also covers the replacement of stolen or lost personal belongings. Nguyen also offers auto insurance, renters' insurance, life insurance, and business insurance.

  • Renter's Insurance

1400 North 14th Street, Arlington, VA 22209

Expertise.com Rating

Review Sources

Google
4.9 (41)
Facebook
5.0 (22)
Yelp
5.0 (12)

Why choose this provider?

CMR Insurance Agency has been providing insurance solutions for families and individuals in Arlington since 2006. Its agents can help obtain proper coverage suited to each of their client's lifestyles and financial capacity. They can coordinate with insurance companies if clients ever need to file claims for damages. The company's homeowners' insurance plans include coverage for property damage, personal property, and additional living expense if residents have to live somewhere else during repairs and renovations. CMR Insurance Agency welcomes Spanish-speaking clientele.

  • Multiple Policy Types

4810 Beauregard Street, Alexandria, VA 22312
WebsiteLicense: 131532

Expertise.com Rating

Review Sources

Google
4.7 (15)
Facebook
5.0 (1)

Why choose this provider?

RL Insurance Agency is a full-service brokerage that serves the Arlington area. Included in its line of products is home insurance, which reimburses losses in case the policyholder's home gets destroyed or damaged in a disaster such as a fire. The company's agents also furnish home insurance plans that cover injuries that may take place in the insured homeowner's property. They review policies from several insurance carriers, including MetLife. RL Insurance Agency also offers life and health insurance.

  • Renter's Insurance

4001 N 9th Street Suite 101, Arlington, VA 22203

Expertise.com Rating

Review Sources

Google
4.5 (13)
Yelp
5.0 (3)

Why choose this provider?

Kevin Gallagher is a State Farm insurance agent who offers policies for homeowners in Arlington. The company's house insurance covers damages incurred from natural disasters, such as lightning, wind, or hail; instances of theft or vandalism; and faulty HVAC or plumbing systems. It also covers a client's affected belongings, from keepsakes to house or gardening equipment. Kevin also provides auto, renters, business, and life insurance, as well as annuities and coverage for pets and personal articles.

  • Personal Property Insurance
  • Multiple Policy Types

800 West Broad Street, Falls Church, VA 22040
WebsiteLicense: 108626

Expertise.com Rating

Review Sources

Google
5.0 (8)
Yelp
5.0 (5)

Why choose this provider?

Prestige Insurance Services is a full-service insurance company that has been protecting residents in Arlington and nearby communities since 2006. The firm helps individuals and families secure their homes and belongings with a homeowners insurance policy. Its insurance agents represent multiple carriers that can provide different coverages like dwelling, other structures, personal property, personal liability, medical payments, and loss of use. They also offer additional coverage for sewer and drain backup. The company's staff is fluent in Arabic, Russian, and Spanish.

  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Alex Nguyen - State Farm
4600 South Four Mile Run Drive, Arlington, VA 22204
CMR Insurance Agency
1400 North 14th Street, Arlington, VA 22209
RL Insurance Agency
4810 Beauregard Street, Alexandria, VA 22312
Kevin Gallagher - State Farm Insurance Agent
4001 N 9th Street Suite 101, Arlington, VA 22203
Prestige Insurance Services
800 West Broad Street, Falls Church, VA 22040

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • Does standard homeowners' insurance cover damage from natural disasters in Arlington?

    Standard homeowners' insurance policies typically don't shield homeowners from natural calamity repercussions. Those residing in Arlington must be vigilant, as natural events like hurricanes, floods, earthquakes, and tsunamis aren't under the umbrella of regular coverage. For robust defense against these unpredictable forces, one should think about procuring specialized insurance to fill these protection gaps.

  • Why is it essential for homeowners' insurance policyholders in Arlington to regularly upkeep their properties?

    Homeowners in Arlington must uphold their property conditions to avoid insurance denial stemming from oversight. In the excitement of home ownership, some might overlook policy specifics. It's crucial to recognize that insuring a home is typically a legal requisite, especially with a bank-financed purchase. Similarly to banks safeguarding their stakes, property owners should ensure comparable vigilance.

  • How do insurers in Arlington cover other structures on residential premises?

    Insurers in Arlington cover other structures on residential properties by setting the liability limit at 10% of the dwelling's value. However, coverage might exclude structures used for business or rented, except when rented to the dwelling's tenants or as private garages. For condominiums, the insurance includes structures and fixtures for which the condo owner is accountable, ensuring comprehensive protection.

  • What should condo owners in Arlington consider when selecting insurance plans?

    Condo owners in Arlington should first recognize that the building and shared spaces typically benefit from a master policy managed by the condo association. This policy's costs are often offset by the dues condo owners contribute. Before deciding on insurance for an individual unit, one should carefully examine what the master policy entails. However, the majority of HO-6 policies come with four primary elements: coverage for the building itself, personal belongings, liability concerns, and potential loss of use.

  • How much is the average monthly condo fee in Arlington?

    The average monthly condo fee in Arlington over the last 12 months is $583, equating to approximately 1.4% of the condo's market value annually. In contrast, maintenance estimates for single-family homes are between 1-4% of the home's value. Condo owners generally oversee what's within their unit walls, like appliances and fixtures. Over time, homeowners might spend more on single-family home upkeep than on condo fees, considering these fees encompass more than just repairs.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

Related Articles

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2024

Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2024

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.